5118 Sun Palm Dr, Windermere, FL 34786 Property Records

Orange County property record for 5118 Sun Palm Dr, Windermere, FL 34786

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,819 sqft · built 1987
Lot Size	0.257 acres (11,186 sqft)
Owner	Individual Name on File
Last Sale	$175,000 (Mar 2009)
Tax Bill	$3,999 (2025)
Deeds & Mortgages	Apr 2018 Second Mortgage
Flood Zone	Zone X (minimal risk)
APN	`16-23-28-8078-02-180`

Property Details

APN / Parcel Number

Primary APN	`16-23-28-8078-02-180`
Alternative APNs	`282316807802180` `284049` `288893` `293058`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,819 sqft Living Area
Gross Area	2,328 sqft
1st Floor Area	1,819 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1987
Effective Year Built	Effective 1990
Exterior Material	Concrete Block
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	11,186 sqft (0.257 acres)
Garage Type	Attached
Garage Area	484 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	25 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C
Heating Fuel	Electric

Location & Zoning

Street Address	5118 SUN PALM DR
City	WINDERMERE
State	FL
Zip	34786-8817
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	P-D
Legal Description	SILVER WOODS PHASE FOUR 18/105 LOT 218
Legal Range	28E
Legal Township	23S
Legal Section	16
Legal Subdivision	SILVER WOODS PH 4
Legal Phase	4
Legal Tract	8078
Legal Block	2
Legal Lot Number	218
Jurisdiction	ORANGE FL
Township / Civil Division	SOUTHWEST ORANGE
Census Block Group	2
Census Block	2028
Census Tract	14809

Owner

Source: Orange County records · APN 16-23-28-8078-02-180

Assessment roll updated April 30, 2026 · Last verified May 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on File
Mailing Address	5118 SUN PALM DR, WINDERMERE, FL 34786-8817
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Mar 27, 2009 · Amount on Record
Deed Sale	Mar 27, 2009 · Amount on Record
Prior Sale	Mar 20, 2009 · Amount on Record
Deed Document Number	2009180433
Deed Book / Page	9849 / 7603
Prior Transfer Date	Aug 12, 2003
Prior Transfer Doc	0000573264
Record Updated	Jun 08, 2026

April 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ORANGE FL
Property Address	5118 SUN PALM DR, WINDERMERE, FL 34786-8817
Transaction Type	Mortgage
Record Updated	Aug 01, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000221739
Date	Apr 13, 2018
Instrument	20180221739

Lender

Name	FLORIDA HOUSING FINANCE CORP
Type	Funding / Finance Company
Address	TALLAHASSEE, FL 32301

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	120 Months
Due	Apr 12, 2028

Tax Assessment & Valuation

Source: Orange County records · Assessment roll updated April 30, 2026 · Last verified May 2026

Property Jurisdictions

Type	Name
State	Florida
County	Orange County
Unified School District	Orange County School District (PK - 12)

Tax Bill & Assessment History

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$251,321 (+2.7%)	$458,390 (-2.12%) Land $145,000 Building $313,390
2025	$3,999.00 (+5.35%) Homeowner's exemption	$244,714 (+5.99%)	$468,340 (+15.94%) Land $145,000 Building $323,340
2024	$3,796.00 (+7.17%)
2023	$3,542.00 (+4.58%) Homeowner's exemption	$230,890 (+3%)	$403,938 (+19.99%) Land $145,000 Building $258,938
2022	$3,387.00 Homeowner's exemption	$224,165	$336,645 Land $135,000 Building $201,645

Flood & Wildfire

Source: FEMA National Flood Hazard Layer as of September 24, 2026 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 59 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	59 in force
Nearby Flood Claims	11 (1989–2024)
Claims Outside the SFHA	4 of 11
Most Recent Claim	Oct 2024 · Hurricane Milton
Claims by Event	Hurricane Ian, Sep 2022 · 2 claims Hurricane Frances, Sep 2004 · 2 claims

Wildfire

Wildfire Risk	Not rated no burnable land within ember reach

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Internet Providers

Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026

Provider	Max Down / Up (Mbps)
AT&T Fiber	5,000 / 5,000
Spectrum Cable	1,000 / 35

May also be available: Hotwire Communications, Xfinity.

Based on FCC filings for 170 locations within half a mile of this property.

Drinking Water

Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026

Water System	ORLANDO UTILITIES COMMISSION serves 536,466 people
Water Source	Groundwater
Last State Inspection	Aug 2024
Lead	2 ppb (2023) action level 15 ppb

Violations Reported to EPA

Water Quality	Total trihalomethanes resolved · Jul 2019
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None last 3 years

Results are for the whole water system as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.